Mutual of Omaha Medicare Supplement Tiered Rating: what agents need to know. August 5th, 2026 Mutual of Omaha is implementing a new Medicare Supplement Tiered Rating Program effective August 28, 2026. The program creates additional opportunities for agents to place business by allowing certain applicants who may previously have been declined to qualify for coverage at an adjusted premium. Here is what agents need to know before the program launches. What Is Medicare Supplement Tiered Rating? Under the new program, some applicants who do not qualify for the standard premium may still receive an offer of coverage with an adjusted premium. Underwriting will evaluate the applicant's complete health and insurance profile. Decisions will not be based on one specific: * Medical condition * Diagnosis * Prescription medication * Health event The goal is to provide another path to coverage for applicants who may not have qualified under the previous underwriting guidelines. Approval is not guaranteed. Each application will continue to be reviewed individually. When Does the Program Begin? The Mutual of Omaha Medicare Supplement Tiered Rating Program is scheduled to take effect on August 28, 2026. Agents can continue using the existing electronic application and submission process. No additional steps are required when submitting the initial application. When underwriting determines that an applicant qualifies for coverage at an adjusted premium, Mutual of Omaha will manage the offer and notification process. Initial Participating States The following states are approved for the initial release: Alabama, Arizona, Arkansas, Colorado, Delaware, Georgia, Iowa, Kansas, Michigan, Mississippi, Nebraska, North Carolina, Ohio, Pennsylvania, South Dakota, Tennessee, Texas, and Wisconsin. States with Birthday or Anniversary Rule provisions will be excluded from the program. Additional states are still pending approval and may be added later. Agents should review the most recent Mutual of Omaha Medicare Supplement Underwriting Guide before submitting business. How the Tiered Rating Process Works Agents will continue to submit applications through the current e-App process. When underwriting approves an applicant with an adjusted premium: * Mutual of Omaha will send separate notifications to the client and producer. * The notification will explain that coverage was approved at an adjusted premium. * The client must accept or decline the offer. * The client has 21 days from the date of the offer to respond. Clients who receive the offer by email must use the link in the email to accept or decline coverage. When a client email address is not available, a physical letter will be mailed. The 21-Day Response Period Clients have 21 days to accept or decline a tiered-rating offer. After the 21-day period: * The offer expires. * No exceptions will be granted. * The original application will be canceled. * A new application will be required to pursue coverage. Agents should monitor their email closely and contact clients promptly when an offer is extended. What Happens When a Client Wants a Different Plan? A tiered-rate offer only applies to the plan included in the original application. For example, when a client applies for Plan G and decides the adjusted premium is too high, the client cannot automatically move to Plan N under the same offer. A new application must be submitted for the different plan. The new application will: * Go through underwriting again * Receive a separate underwriting decision * Potentially result in a different adjusted premium * Begin a new offer period when applicable The original underwriting decision and rate adjustment will not transfer to the new plan. How Is the Rate Increase Applied? The tiered rate-up is applied as a percentage of the monthly premium. Specific percentages are not being distributed broadly because the amounts may vary by state filing and may change over time. The adjusted premium shown in the underwriting offer will be the amount the client must review and accept or decline. How Should Agents Explain the Offer? Keep the explanation clear and factual: Mutual of Omaha reviewed your application and approved your coverage with an adjusted premium based on your overall health and insurance profile. Agents can also explain that the tiered-rating program provides an additional opportunity for applicants who may otherwise have been declined. Avoid suggesting that one specific condition, medication, or diagnosis caused the adjusted premium. Underwriting considers the applicant's overall risk profile. Can Previously Declined Applicants Reapply? Yes. Applicants who were declined previously may submit a new application. Depending on the reason for the previous decline and the applicant's current health and insurance profile, the applicant may now qualify for coverage through tiered rating. Every application will still be reviewed under the current underwriting guidelines, so an offer is not guaranteed. This may be a good opportunity for agents to reconnect with previously declined clients who are still seeking Medicare Supplement coverage. Will the e-App Process Change? No. Agents should continue using the current Mutual of Omaha e-App and submission workflow. There are no additional tiered-rating steps required at the point of sale. The primary change occurs after underwriting reviews the application. When an adjusted-premium offer is extended, Mutual of Omaha will notify the client and producer separately. Agents should verify that the client's email address is accurate before submitting the application. How Does Tiered Rating Affect Agent Compensation? Agents will not receive commission on the increased premium amount associated with a tiered rate-up. Mutual of Omaha will also no longer pay commissions on increased premium amounts associated with height-and-weight rate-ups. However, the annualized new business premium, or ANBP, will count toward: * Mutual Sales Leaders qualification * Marketing credits What This Means for Agents The new tiered-rating program may help agents place more Medicare Supplement business by creating another potential outcome between standard approval and a full decline. The most important steps for agents are: * Continue using the normal e-App process. * Confirm the client's email address before submission. * Watch for underwriting offer notifications. * Follow up with the client immediately. * Remind the client that the offer expires after 21 days. * Submit a new application when the client wants a different plan. * Revisit previously declined applicants who may now have another opportunity to qualify. Mutual of Omaha's Medicare Supplement Tiered Rating Program is designed to expand access to coverage for certain applicants while maintaining the existing application process for agents. Because state availability, underwriting rules, and filed rate adjustments may change, always consult the latest Mutual of Omaha Medicare Supplement Underwriting Guide for current program details. Mutual of Omaha Medicare Solutions Contact List As CEO & Partner of PSM Brokerage, Lucas helps guide the company's strategy for supporting independent insurance professionals with training, marketing, technology, carrier access, and business development resources.

Mutual of Omaha and Vamrah to collaborate on automation pilot. OMAHA, Neb. - Mutual of Omaha's Workplace Solutions is working with Vamrah to accelerate the use of Artificial Intelligence (AI) to automate business processes and reduce repetitive, manual tasks within group insurance workflows. As part of this effort, Mutual of Omaha and Vamrah have entered into a pilot agreement and are finalizing production licensing. "We're exploring opportunities to leverage AI capabilities to improve efficiency, streamline workflows, and enable our teams to focus more time on higher-value activities", said Jason Jarzynka, Senior Vice President, Workplace Solutions Product Performance and Technology at Mutual of Omaha. "We are excited to work with Vamrah on this effort." "Vamrah is proud to collaborate with Mutual of Omaha Workplace Solutions to bring intelligent automation to complex insurance workflows," said Richard Allaway, Chief Growth Officer, Vamrah. "Our goal is to help enterprises leverage the advances in AI with scalable, domain-specific solutions built for accuracy, speed and business impact." About the Mutual of Omaha Companies The Mutual of Omaha Companies offer a variety of insurance and financial products for individuals, businesses and groups throughout the United States. Founded in 1909 and headquartered in Omaha, Neb., the highly rated organization takes a long-term view with a focus on strength, stability and steady growth to help customers protect what they care about and achieve their financial goals over generations. For more information, visit www.mutualofomaha.com. About Vamrah Vamrah is a pioneer in AI-driven business process transformation, helping organizations unlock the full value of unstructured content. With deep expertise in enterprise AI, intelligent document processing, and workflow automation, Vamrah delivers scalable, domain-specific solutions that reduce costs, eliminate manual effort, and accelerate business outcomes. Headquartered in Westchester County, NY, Vamrah serves organizations across insurance, healthcare, finance, procurement, and more. For more information visit www.vamrah.ai.

Mutual of Omaha promotes Melanie Patton to vice president of institutional sales and strategy. OMAHA, Neb. - Mutual of Omaha has promoted Melanie Patton to vice president of institutional sales and strategy at Mutual of Omaha, where she leads product growth strategies for the company's Institutional Annuity and Institutional Investment businesses. She oversees institutional annuity sales, client services and product underwriting, helping drive growth and advance strategic initiatives across Institutional Solutions. Patton joined Mutual of Omaha in 1996 and has held several leadership roles of increasing responsibility. Patton earned a bachelor's degree from the University of Nebraska Omaha, a Juris Doctor from the University of Nebraska-Lincoln and an MBA from the University of Nebraska Omaha. About Mutual of Omaha The Mutual of Omaha Companies offer a variety of insurance and financial products for individuals, businesses and groups throughout the United States. Founded in 1909 and headquartered in Omaha, Neb., the highly rated organization takes a long-term view with a focus on strength, stability and steady growth to help customers protect what they care about and achieve their financial goals over generations. For more information, visit www.mutualofomaha.com.